the train wreck is upon us. there's no way to really put this thing back together again in a very easy way. i think we're going to have to do a couple of things. the early renewal policies. states should be pressured to allow that took cure. that's definitely an option that should be on the table. the second thing is the bill that the house republicans are working on and senator johnson in the senate that allows the plans that are currently in existence today to continue into 2014. i know a lot of people in the insurance industry say it's too late. candidly we got to put this thing back together somehow. there will be some difficulty for sure but we have to allow it where it can and if an insurer wants to keep their old plan on the market they should be able to do so. the key thing is making sure the premiums will not go up dramatically. >> that's what's going to happen. >> it's going to happen anyway no matter what. >> you're talking about fred upton the chairman of the energy commerce committee in the house an